Positives for me: Cash positive with cash in hand - this needs...

Positives for me:
Cash positive with cash in hand - this needs to continue per quarter
FUM increases
Investments in sales processes and related technology
No acquisitions to bed down - focus on improvements internally

Negatives:
Industry headwinds/regulations. However, some upside here if banks start to turn away lending to maintain regulations
Lower settlements per quarterly comparison
Some aspects of costs higher e.g. marketing +20%

Trending in the right direction for me and if continues then SP should start to improve IMO.